Bring $250K–$1M assets to a big-bank private client tier — get 0.125–0.375% mortgage rate discount + closing credits.
Chase Private Client ($150K+), Bank of America Preferred Rewards Platinum Honors ($100K+) / Diamond ($1M+), Citi Private Bank ($1M+), Wells Fargo Premier ($250K+) offer mortgage relationship discounts: 0.125–0.375 rate reduction + $250–$2,500 closing credits + faster underwriting. On a $600K 30-yr at 6.5%, 0.25% discount = $32K over life. Move brokerage/IRA in-kind to trigger relationship without selling — no tax cost. Best combined with SBA/HELOC/DSCR products elsewhere.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Systematically open bank accounts with $200–$500 sign-up bonuses; typical churner earns $2K–$10K/yr.
4/8/13/17/26-week Treasury Bills yield 4.5–5.3%, exempt from state/local tax — beats HYSA in high-tax states by 30–70 bp.
Brokered CDs via Fidelity/Schwab/Vanguard aggregate FDIC-insured yields nationwide — often 30–100 bp above local banks.
Rotate cash across the top 3–5 HYSAs/MMFs every 3–6 months as promo rates change — pickup 30–150 bp/yr.
Buy a long-duration CD when rates are high, break early when rates fall — pay small EWP for large gain vs current rates.
Interactive Brokers margin (5.83%) or Schwab PAL beats HELOC (9%+) for short-term liquidity — no appraisal, funded same-day.
Structure ownership + banks correctly for $1.5M+ FDIC per person — single, joint, POD, revocable trust each get $250K.
Fintech cash accounts pay 4.5–5% via bank sweep networks — some offer $250 signup bonuses stacked on top.